Making contact homeowners: who may need Fianacial Counselling and guidance during a Short-term hardship or a change to financial situation and aid them though this time their issues; and setup customized payment solutions that cure their delinquencies and satisfy the business goals of our clients and our company. Manage multiple mortgage products that are 60+ days delinquent, updated loan files to ensure a comprehensive record of account activity. Help prevent foreclosure .arranged inspection or evaluation services. Review and negotiate liens and judgments to help clear the title and protect the homeowner and investor. Review homeowner financial records (e.g., statements, tax returns, credit reports, etc.) to decide the best loss mitigation solution for them. Answer homeowner questions: supply quick and thorough responses that adress any concerns. Ensure all legal requirements are met before a foreclosure sale. Follow all company policies and Investor Policies.Review documents for underwriting, pulling collateral file reviewing complex financial documents, assignment of mortgage, understanding escrow interest rates and complete Loss mitigation Underwriting. Senior underwriter, fulfilment specialist, Closing Modifications Resolving and addressing any title discrepancies, judgements or unknown issues ‘that may affect the security interest (real property) or available retention loss mitigations of the loan. Clear understanding on using FHA Connect (NW-) Evars Caivers, Sams VA access -for investor exception approval on GSE loans. LPS for foreclosure updates – request for hold to allow loss mitigation evaluation. Calculations to complete -full Modifications For all GSE and custom loan products . Data reports, data reports, DU, Equator, request for hold to allow loss mitigation. evaluation. Completed FHA Partial Claims -USDA -MRSA-liquidation options. Black night, Sales Force-CRM, MSP, Fiserv, Excel,

Continually maintain a quality network of business relationships that serve as a source of referrals for new mortgage lending opportunities.• Regular participation in business related development opportunities and community efforts to promote homeownership and professional organizations.• Respond to customer inquiries and referrals that are generated from their own contacts• Conduct interviews with prospective borrowers in order to analyze financial and credit data,determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information.• Ensure exceptional customer service by maintaining thorough knowledge of lending programs,policies, procedures and regulatory requirements, demonstrating a commitment to professionalethics, complying with all Federal and State compliance policies and adhering to HMDArequirements.• Knowledge of conventional and/or government guidelines Knowledge of processing underwritingand/or closing procedures/federal lending regulations governing real estate lending• Ability to manage a heavy pipeline of 50 plus loans Strong written and verbal communicationsskills Teamwork and customer service skills a must Self-motivated and highly organized Ability to prioritize multiple competing task• Solid time management skills and the ability to organize, prioritize and perform multiple taskssimultaneously Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences• Ability to analyze and comprehend complex financial data and provide financial alternativesProfessional and effective interpersonal skills.• Taking inbound making outbound calls maintaining a pipeline of 50-100 loans

• Ensure Conveyances and claims are filed timely and accurately according to investor /insurer/ BLS guidelines and requirements.• Ensure Property inspections are ordered and the results received and all vacant properties and repair work, Conveyance conditions is completed in a timely according to investor/ insurer timeframes and allowable fee schedules.• Ensure management controls, exception reporting and backlog identification are maintained, updated and utilized.• Provide weekly and monthly management reporting for conveyance/claims filed; aging of unified claims, inspections ordered/received.• Ensure the timely and accurate of completion of all scheduled templates steps including outstanding /late steps including the foreclosure /claims tracking templates pertaining to claims /post FCL sale activities on a daily basis. Verify Taxes and insurance maintained and paid timely and cancelled /endorsed according to investor /insurer guidelines.• Monitors vendor performance and notifies manger of any consistent problems.• Ensure all claims documents are prepared for HUD audit file is maintained. • Keeps manager informed of all trends and problems including ,but not limited to claim denials /curtailment, avoidable losses ,conveyance condition delays, title problems ,and compliance problems that will create an “out of compliance “condition or expose BLS to any risk of exposure liability. • Performs other duties and projects as assigned is responsible for providing direction, leadership ,training motivation and coaching to the claims staff and ensuring all departments ‘monthly goals and objectives are met by overseeing and controlling the preparation ,filling, and follow up of all FHA,VA, Fannie Mae, USDA, Freddie Mac, PMI and Investor claims timely and accurately according to investor/insurer guidelines from the preparation of the conveyances /claim through the receipt of the claim proceeds and final loan liquidation.

• Audit foreclosure process on Reverse Mortgage Loans that have matured and verify if HUD time lines were met.• Verify all Cl2aims filed with HUD and Fannie Mae were accurate and had supporting documentation. • Verify if Foreclosure met MADD, FLDD, RDDD, and RDAD per HUD and Fannie Mae Requirements.• Give detailed explanation when there was a hold placed on the file and it did not Meet HUD Timelines or compliance. Notate the responsible Party. Such as Court, Servicer or Firm. Gather all Documentation supporting if this action was controllable on the part of the Servicer or if not have documentation showing uncontrollable holds to present to HUD and avoid possible sanctions. • Make detailed daily reports on each loan during foreclosure process Notate any gaps in timeline using LPS Tracking notes or notes in other Loan Servicing Systems. Document those over seven days and explain exception with adequate documentation to back up claim ex... Probate, Litigation, Title Issues, AOM, AOI, Escrow or Judicial Process.• Verify all documentation such as, Attorney Chronology, Documents supporting First Legal Action, such as Complaint, Notice of Default or Notice of Sale is included in exhibits. Have documentation supporting Judgment, Title or Security Instrument used in FCL Process. Verifying information is correct and matches information in LPS and all Servicer and “Investor systems.• Complete quality audits to verify accuracy of reports. Ensure supporting documentation (exhibits) are titled correctly and match reports. Contact Attorney’s Office that completed Foreclosure for any missing documents needed for the file. • Mitigate financial loss to client by verifying to HUD and Fannie Mae that due diligence was completed by the Servicer during Foreclosure Process and Claims were processed accurately. Resume

Short Sale SME Verify Sales Contract received with all necessary addendums attached. Including acknowledgment from all parties that they are participating in a Short Sale.•Pull Credit report and review with paystubs, tax returns, bank statements and letter of hardship to verify if the homeowner qualifies for liquidation process. •Request copy of Title and verify if clear or if there are any judgments or liens•Verify Bankruptcy status and verify court approval if needed•Request Buyers Proof of Funds and verify adequate funds to complete Sale •Compare names of all Parties involved with Department Of Justice and internal Fraud Checks. •Review all documents and verify if they meet Chase, Investor, Department of Justice, Regulation x, Office of Comp controller and Dodd Frank, Safe, RESPA, and all governmental compliance regulations. •Approve Reject or Counter Offer and send out decision letter to all applicable parties. •Negotiate Offers as needed with Attorneys, Brokers, Realtors or Authorized delegated parties.•Advise of Counter offers, and any corrections needed on Documentation•If Approved completed underwriting using AUS,DU,LAPP, SAR Fannie Mae’s Desktop and Freddie Mac’s Loan Prospector •Responsible for assessing the risk of a loan and making an approval or decline decision based on the quality of the data in the loan file.•Reviews and ensures data integrity to confirm the accuracy of automated underwriting findings.•Applies all internal underwriting guidelines, investor requirements and federal regulations to the decision process to ensure loan quality.•Analyze and verify the employment profile, credit strength, property characteristics and all other information pertinent to the credit decision process on each loan application.•Interacts with Mortgage Professionals to obtain information from the borrower or to seek clarification about documents in the loan file..